Getting Approved
Can You Still Get Life Insurance If You've Been Declined Before?
October 30, 2025
4 min read
It's frustrating to get declined for life insurance—but it doesn't have to be the end of the road.
In fact, many people get approved after a decline—they just needed the right help.
Why Do Declines Happen?
Most declines happen when:
- You apply with a company that's strict about your health issue
- You're using a captive agent (who only offers one product)
- You applied for the wrong type of policy
Here's the Good News
You don't need perfect health. You just need someone who knows how to match your situation to the right company.
At OurLivesProtected, we've helped people with:
- Diabetes, COPD, or heart history
- Hospitalizations in the last 2 years
- Previous declines or policy lapses
We don't give up after one "no."